http://ibdeditorial.com/IBDArticles.aspx?id=306370789279709 The problem here is that sub-prime mortgages aimed at low-income buyers are not a good idea. It's bad math, and another prime example of big government getting its nose into things it shouldn't. I implore everyone... whichever political party you've supported in the past, to at least research the damage large government causes. The founding fathers would be ashamed at what we have become... essentially a nanny-state where personal responsibility has gone by the way-side and people look to the government for answers. The original intent of the U.S. Government was to provide for the safety and infrastructure to help the American people. Not to control our lives, define morality, serve as a welfare state, and over-manipulate the free market. The economic downturn we are experiencing now is directly related to the government overstepping it's bounds and citizens who are evermore reliant on the government to make their choices for them. For those who are interested... here are Ron Paul's thoughts on the subject: Also, for a more in-depth Analysis: Did the Fed Cause the Housing Bubble and Bust?